Experience financial advice on your terms
Connecting with you
1
Free consultation
We start with a relaxed conversation to learn more about you and your goals. We’ll also share who we serve, how our firm operates, and help you determine whether we’re a good fit for your needs. If you have immediate financial questions, we’ll address what we can — but we believe in providing thoughtful, personalized advice through a complete planning process.
2
Define the Relationship
Once we understand your situation, we’ll recommend the right service model for you — whether that’s comprehensive wealth management, financial planning only, or focused investment management in specific areas. We’ll outline how we work, what to expect, and how our compensation is structured so everything is clear and transparent.
3
Build Your Plan & Investment Strategy
We’ll gather your financial data, complete a risk tolerance assessment, and begin developing your financial plan and investment strategy. This includes account transfers or openings, signed agreements, and a personalized proposal aligned with your objectives. You’ll always have time to review and ask questions before we proceed.
4
Implement & Monitor
Once your plan is in motion, we stay actively involved. We’ll manage your investments and help you take action on the strategies we’ve identified. We also provide ongoing planning and regular check-ins to ensure your plan continues to reflect your life, priorities, and goals.
Why DuCharme?
Our business structure and investment philosophy provide for diligent financial advice and investment management with complete transparency and no hidden-costs.
Our Investment Philosophy
At DuCharme Wealth Advisors, we believe that effective investing begins with a clear understanding of your goals, your ability to take risk, and the role your portfolio plays in your broader financial life. Every investment strategy we deploy is rooted in those fundamentals.
We believe that markets differ in efficiency, and so should the approach. In highly efficient and transparent markets, such as large-cap U.S. equities, we favor low-cost, passive ETFs to capture broad exposure in a cost-effective way. In markets that are less efficient or less transparent, we utilize active management to seek enhanced risk-adjusted returns.
Our portfolios are built with a strong emphasis on diversification, not just by asset class, but by risk drivers, investment structures, and liquidity profiles. This helps us manage broad market correlation and smooth portfolio behavior across market cycles.
We are proud to provide access to institutional-only funds, share classes, and private investments, including private credit, private equity, and structured notes. These investment vehicles, long used by institutions and ultra-high-net-worth investors, can offer meaningful benefits when appropriate and aligned with a client’s risk tolerance, liquidity needs, and time horizon.
All investment decisions are made within the framework of a personalized financial plan and lifetime tax strategy, helping ensure that your portfolio supports both your long-term growth goals and near-term financial needs.
Our research and recommendations are informed by leading institutional research providers, including Charles Schwab, Morningstar, CFRA, S&P Global, and others.
Ready to Take the Next Step?
Whether you're just getting organized or already working toward specific goals, a brief conversation can help clarify where you stand and what comes next. Schedule a complimentary consultation to explore how our planning process can support your unique financial journey.